Senior High Risk Trader Onboarding Analyst

Topstep

6d•$75,000 - $110,000•Hybrid

About The Position

The Senior Trader Onboarding Analyst is an operational identity risk subject matter expert within the Trust & Resilience organization, responsible for evaluating complex identity risk profiles, dispositioning high-friction verification exceptions, and enforcing Customer Identification Program (CIP) compliance across global trader pathways. Operating as a primary risk decision-maker, this role manages the advanced multi-signal identity orchestration platform. You will analyze complex risk telemetry—including biometric integrity, synthetic identity indicators, device/IP anomalies, and multi-jurisdictional tax/legal documentation (W-8/W-9)—where automated logic is inconclusive and standard procedures do not apply. Exercising independent discretion, you will execute binding decisions on low-to-medium risk account eligibility, clear secondary Sanctions alerts, optimize automated Persona verification logic, and manage clean Tier-1 handoffs to your peer, the Senior High Risk Analyst, when elevated threats emerge.

Requirements

2-4 years of direct experience in fintech compliance operations, financial crime, identity risk management, or digital platform onboarding.
Hands-on experience analyzing identity risk signals within modern orchestration platforms (like, Persona, Jumio, Veriff, or Onfido), moving beyond basic document checking to multi-signal risk evaluation.
In-depth understanding of CIP/KYC frameworks, global identity document standards, OFAC/Sanctions screening protocols, and international tax documentation requirements (W-8/W-9).
Proven track record of exercising sound, independent analytical judgment when evaluating ambiguous risk scenarios where standard operating procedures are non-routine or undefined.
Ability to evaluate operational metrics, identify systemic verification logic vulnerabilities, and formulate actionable workflow optimizations.
Exceptional written and verbal communication skills, with a track record of authoring precise investigative summaries and collaborating effectively across remote teams.

Responsibilities

Exercise independent judgment to analyze multi-variable risk signals within the IDV platform (e.g., biometric manipulation, liveness check failures, device telemetry, cross-border address discrepancies) where automated rules yield ambiguous results.
Exercise independent authority to grant, conditionally restrict, or deny platform access for low-to-medium risk trader profiles. Evaluate qualitative risk factors against established risk tolerances to execute binding account dispositions without routine manager sign-off.
Analyze, interpret, and validate non-routine tax documentation (W-8BEN, W-8BEN-E, W-9) and multi-jurisdictional eligibility records. Determine regulatory compliance and tax residency validity prior to payout authorization.
Conduct analytical background reviews on secondary Sanctions, PEP, and OFAC screening alerts. Evaluate biographical and contextual data to differentiate benign false positives from genuine regulatory liabilities.
Evaluate case complexity to identify high-risk indicators (e.g., suspected synthetic identity networks, adverse media, or complex corporate structures). Formulate structured investigative handoffs for Tier-2 escalation to the Senior High Risk Trader Onboarding Analyst.
Analyze IDV platform performance, rule efficacy, and false-positive trends. Formulate data-driven recommendations for the Manager and Product teams to adjust automated risk thresholds, auto-pass criteria, and decision trees.
Serve as a technical subject matter expert for peers across operations and Customer Support, providing authoritative interpretation of onboarding SOPs, complex Persona workflows, and edge-case risk scenarios.
Formulate and document clear investigative rationales for non-standard case dispositions, establishing defensible risk precedents for internal QA audits and compliance reviews.